Updated: VA Loan Limits for High-cost Counties

Updated for 2015: VA Loan Limits for High-cost Counties

The VA loan guaranty program does not impose a maximum amount that an eligible veteran may borrow using a VA loan but limits the maximum guaranty amount to $417,000 for 2015. However, if you live in one of the following counties listed below, follow the data on the chart to determine the VA's maximum guaranty amount for a particular county. These limits apply to all loans closed January 1, 2015 and afterwards.

Lenders may make loans to veterans greater than the maximum county loan limit; however, lenders may require Veterans to make a downpayment for the amount borrowed in excess of the applicable county loan limit.

VA loan limits are based on county median home values reported by the Federal Housing Administration. These values are the basis for which VA calculates limits for our program. For 2015, some limits increased, some stayed the same and a few decreased.

The maximum guaranty amount for loans over $144,000 is 25 percent of the 2015 VA county loan limit shown below. Veterans with full entitlement available may borrow up to this limit and VA will guarantee 25 percent of the loan amount.

If a Veteran has previously used entitlement that has not been restored, the maximum guaranty amount available to that Veteran must be reduced accordingly. Lenders should check their own investor requirements regarding guaranty amounts and downpayments. Questions about VA loans in a particular county may be directed to the VA Regional Loan Center of jurisdiction.

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